FEHB 2027 plan

Aetna Advantage

Aetna: HDHP/Aetna Direct/Aetna Advantage · Traditional · PPO: out-of-network care covered at higher cost. Offered in all of AZ, CO, CT, DC, DE, GA, HI, IA, IN, MD, ME, MI, NC, NE, NH, NJ, OH, OK, PA, RI, SC, TX, VT, WI, WY, and parts of AK, AL, AR, CA, FL, ID, IL, KS, KY, LA, MA, MN, MO, MS, MT, ND, NM, NV, NY, OR, SD, TN, UT, VA, WA, WV. Availability within a state can depend on county or ZIP code; use the comparison tool to see what is offered where you live.

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2027 premiums

Your share only; the government pays the rest. Non-postal employees. Postal Service employees are covered by PSHB, not FEHB. Source: OPM 2027 FEHB rates.

Deductible and out-of-pocket limits

The out-of-pocket maximum is the most you pay for covered in-network care in a year, not including the premium.

What you pay for common care (in network)

As OPM states them. Whether the deductible applies first varies by service; the plan brochure is the statement of benefits.

What changed from 2026

For Self Only, as an employee:

• Premium up $234 a year ($9.00 biweekly)
• Deductible: no change
• In-network out-of-pocket max up $1,000 ($7,500 to $8,500)

How this plan works with Medicare

• Deductible with Parts A & B: Not waived
• Deductible with Part A primary: Not waived
• Deductible with Part B primary: Not waived
• Primary care visit, Medicare A & B pays first: 30% coinsurance
• Specialist visit, Medicare A & B pays first: 30% coinsurance
• Hospital stay, Medicare A & B pays first: 30% coinsurance
• Out-of-pocket maximum with Parts A & B: $8,500
• Part B premium reimbursement: None
• Medicare Advantage (Part C) option: Offered; reimburses up to $1,200 of Part B premiums

Retirees with Medicare generally have Medicare pay first. Compare the yearly cost of FEHB alone with FEHB plus Part B.

Official documents

• 2027 plan brochure on OPM.gov (RI 73-906), the only contractual statement of benefits
• Summary of benefits and coverage
• Drug formulary
• Provider directory
• Aetna: HDHP/Aetna Direct/Aetna Advantage, 888-238-6240

Figures are from OPM's public 2027 FEHB data files (plan data dated 2026-09-29), not from the plan's brochure, and are shown for information only. Confirm your doctors and prescriptions with the plan before enrolling. FedHorizon is not affiliated with OPM or any plan. All 2027 FEHB plans

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These are planning estimates, not official OPM benefit determinations. Verify your eligibility, service history and benefit estimates against your agency's official records before making retirement decisions.